AS · Bad Faith · Building Contractor Scam · Civil Court · Criminal Organizations · Disaster · fraud · Homeownership · Insurance · Insurance Claims · Insurance Scam · Paralegal Studies · Probate Housing Creditors Mortgages Mortgage Fraud · racism · research · social observation · Sociology · trauma

The Case of the Changed Claim Number

Kent Stiles, adjuster for Safeco/Liberty Mutual Insurance, changed the claim number of the claim I filed on 22 April 2016. If you’ve followed my blog, you know I have been submitting descriptions of my first-time consumer experience of submitting a homeowner insurance claim with Safeco Insurance.

Kent Stiles and Nahal Mazandarani changed a settled $48,000 claim into one for more than $430,000, though I am certain much more money than this has been expropriated. The scam is too widespread, too longlasting, involves too many players for the sums recorded on paper to properly compensate them all.

After figuring out Mazandarani and Stiles were conning me, I asked Mazandarani if she was on drugs. She had us move into what I described at the time as an “abandoned” project. This same language is used in the citation issued the contractor, Vince Paglia dba Protech, by the Contractors State License Board. Mazandarani took extreme umbrage to my suggestion that she must be out of her mind if I was supposed to move into a building with an open trench in my back yard and a pallet serving as the step into the only point of ingress or egress without resorting to a window. I spoke with Stiles about this; he claimed to be her supervisor. I may have suggested to both of them that I would whip Mazandarani’s ass if she showed her face ’round me ever again in life. Hence, all subsequent interactions have been with Kent Stiles.

I patiently waited for the Department of Insurance agent, John Mort, to help me get answers to my questions about the irregular ways my claim has been handled. Little did I know John Mort was working for Kent Stiles even though the Department of Insurance is supposed to be looking out for consumers. Kent Stiles has a very long reach is what I’ve learned in this 3.5 year homeowner claim experience. John Mort had to have been aware of the change in claim number; homeowner claim history is recorded in external databases for at least seven years. The claim number for the claim I filed 22 April 2016 and for which I possess a physical claim file, has been changed. The new number is something I have never seen before. For the past 3.5 years it has listed the cause of loss as water when the actual cause was wind, like those blowing fire now. The tree that lost the limb that fell on my bedroom still stands and sways in the high winds, but Kent Stiles paid for project, that now adds a rescinded Certificate of Occupancy to its faults. Recently, through the dispute process with one of the databases, Kent Stiles reversed himself, changed the cause to wind, but holding fast to the more than $430K charged against my insurance policy, charged against the consumer, charged against this unfamiliar- to – me claim number.

Think the IRS needs to know about this?

No matter how many times I told Kent Stiles something was wrong, he either ignored me or told me a lie. No matter how many people I spoke to at Safeco/Liberty Mutual, no one batted an eye at what Kent Stiles was doing and continues to do to me, my claim. If I spoke to one person, from supervisors, managers, the Presidential Service Team, I spoke to twenty and er’rbody was ultimately working for Kent Stiles.

Can anybody tell me why Kent Stiles would change my claim number; why John Mort of the Department of Insurance, regulatory body, would let me waste two years waiting for his intervention in helping me get, what I thought at the time were, documents relevant to my claim? The Stall is a major part of this scam. Time must elapse so that the unassuming consumer won’t catch wise until the claims history disappears from view.

This seems like embezzlement to me and fraud at my expense, conducted by an institution I am forced to use to protect my property. I question the impartiality of the regulatory body, the Department of Insurance. I question how Safeco/Liberty Mutual is allowed to stay in the insurance business, except I’ve always thought insurance is a racket.

aging · Bad Faith · Building Contractor Scam · Civil Court · Criminal Organizations · Disaster · fraud · Insurance · Insurance Claims · Insurance Scam · Paralegal Studies

Safeco and the Department of Insurance

Safeco defrauded me. Adjuster Kent Stiles scammed me with the assistance of Nahal Mazandarani, Field Adjuster and a contractor, Vince Paglia and Associates.

Mazandarani brought Paglia to my home and insisted that I should use his services as I would be afforded warranties and work guarantees for three years. I was assured I was working with a preferred contractor through their Innovations program. My project would by supervised from start to finish, and I would have no worries … except that instead of repairing only one room, I’d have to have a completely new house … because my home had no foundation. This news was conveyed orally. I never saw the whole-house red tag that was allegedly issued by Los Angeles County Public Works and used to justify destroying my home of over 60 years. Kent Stiles “approved” the rebuild, but carried the project as repair only. He never reported to Underwriting that my entire home was rebuilt. Paglia never submitted plans for a rebuild, but had this structure built from a rough drawing of my home.

Now, the scapegoat subcontractor is dead and Paglia has called to intimidate me into making a settlement for much less than I am owed. He told me straight out that I would never get the more than $80K he was paid for materials and services not in existence here. At the end of his call, made from his car so no one could hear him, he said I should just forget we had this conversation. Really?

All of this has been reported to the Insurance Commission, but that agency is only as good as the agents who work the claims. My agent is working for Safeco. I am blocked from making any more claims without the approval of the adjuster and his minions in charge of plundering my claim funds. They had me state I wanted to make a new claim. I had to swear I was not .trying to get any more money on the old claim, which was supposed to be closed. Except it is never closed and my file is forever under surveillance. I had to provide a date of loss different from the old claim. I had to provide a cause of loss. My date of loss was taken from the Contractors State License Board citation of Paglia, wherein it is stated that the date of occurrence was 6.20.2016, three days after Kent Stiles took over my claim from the original adjuster who had worked it through to final payment, $48K. Stiles pushed the costs up to $430K, at least on paper. Many receipts in my claim file are for materials that are not here. There are documents full of misrepresentations. None of the documents cited as reasons for destroying my home exist. The contractor had the nerve to list himself as the owner of my property in order to demolish structures that were not damaged.

Through over two years of correspondence, the agent from the Department of Insurance failed to get answers to pertinent questions about my claim, failed to get requested documents, and he has treated me with contempt and condescension. He sees nothing wrong with the way my claim has been handled by Safeco. He is the reason I wrote to Consumer Affairs to question why DOI is the only agency consumers have to appeal to when being defrauded by insurance companies.

Safeco is corrupted through and through. I have a thing for chain of command, so went through the hierarchy in an attempt to have someone check the adjuster. Safeco has a Presidential Service Team, the last resort after talking with supervisors and managers. That representative was supposed to assist me resolve the problems I was having with Stiles. Instead, she also worked to support Stiles and his lies, assisting in the gaslighting that is a hallmark of this scam. All interactions have been documented in emails that are in my claim file, but the DOI agent has not bothered to review any of them. He allows Safeco to abuse me in the hope that I will quietly go away in utter frustration.

Well, I am as frustrated as I’ll ever be. Now, this is an obsession to find out just what the consumer has to do to be heard and helped to stop unscrupulous corporations, criminal insurance companies that are supposed to have a fiduciary responsibility to consumers, from defrauding us.

Building Contractor Scam · Civil Court · Criminal Organizations · fraud · Homeownership · Insurance · Insurance Claims · Insurance Scam · Law · Paralegal Studies · trauma

PTSD Blues (Public Service Announcement)

I lived in my home for over 60 years. Then, I made an insurance claim with SAFECO INSURANCE. Instead of simply repairing the damage done by the tree falling on my bedroom, they told me lies and stole my home through destruction. SAFECO INSURANCE, PROTECH CONSTRUCTION, LOS ANGELES COUNTY BUILDING AND SAFETY are all involved in this theft by deception.

Protech Construction was found to be in violation of the Professional Conduct Code, and was ordered to pay me for damages assessed by the Contractors State License Board. Protech did not pay as ordered. I filed a claim against the contractor’s bond, and they are now stalling me about payment.

If you are insured with SAFECO INSURANCE or have any contracting work scheduled with PROTECH CONSTRUCTION owned by Vince and Kimm Paglia, you need a new insurance company and a new contractor. SAFECO INSURANCE does not have any oversight. There is no one in charge there. The Presidential Service Team is no joke as it does not assist consumers resolve problems with claims adjusters. Claims adjusters and contractors maintain a confidential relationship that disadvantages the consumer. Once they close ranks, no help will be forthcoming from within the company. Consumers are forced to seek assistance from the Department of Insurance, but they do not help consumers get answers to pertinent questions and they make no demands of the insurance company to provide consumers with answers to legitimate questions about the handling of a claim.

SAFECO INSURANCE appears to have every law firm capable of fighting them on retainer. Not even PUBLIC COUNSEL would help me bring a case against the insurance company because of conflict of interest concerns. Unless one has an incredible amount of money, there is no legal help available. Stalling, along with lying, is the chief action employed in the commission of this scam. SAFECO INSURANCE repeatedly notified me that I could not file a lawsuit against them if it was not brought within a year of the commencement of work, hoping to convince me that the statute of limitations would expire and I would be without recourse. That might be so if I was only looking to prove bad faith, but this is fraud and a civil suit can still be brought.

CAVEAT: AVOID SAFECO INSURANCE AND PROTECH CONSTRUCTION, PERPETRATORS OF A CLAIMS SCAM THAT DEPRIVES CONSUMERS OF THEIR HOMES AND THE INSURANCE CLAIM FUNDS NECESSARY TO PROPERLY RESOLVE A CLAIM.

aging · AS · observations · Paralegal Studies

I Need a Lifeline

Haven’t knitted a thing in days! Thought April would never end. Now, the day after May Day, International Workers Day, I must pick up my work in progress and add a lifeline as an afterthought because my Bird’s Eye Lace section is off.

A day without knitting is like a day without knitting, I tell you what. I don’t like having to do without. So many tasks to accomplish in April, but at the least my property taxes have been paid and should be lower the next time I have to pay them. Nothing is more sure than death and taxes.

Completed my interview with Pissed Consumer. That was difficult as it was hard to find a neutral background in this rectangular rat trap.

Spoke with Building and Safety and have to laugh every time I think of the excuse I was given for the CFO (Certificate of Occupancy) that was issued to Vince Paglia having an issue date of 21 September 2017 when the structure wasn’t given final approval for occupancy until 11 January 2018. CONSUMER ALERT A contractor submits the CFO to the insurance adjuster to receive payment. It is a form of proof of work completed. Vince Paglia had this document in February though the Permit Date on the CFO is March 2017. My home was demolished in February 2017, the month the first check was issued to Paglia. There is no itemized statement in my claim file to provide a breakdown of the payment and Kent Stiles will not provide the statements no matter how many times I request them.

I asked the representative from Building and Safety if it was usual to issue a CFO when there was no structure standing on the property and was told no, the issue date was a “typo”. In 30 April 2019, the CFO issue date of 21 September 2017 is damn near two years old. Helluva duration for a “typo”. If I’d never brought the discrepancy to anyone’s attention, that “typo” would be word.

It takes a long time to get over being gaslighted for a couple of years and then having to go through the grueling ordeal of uncovering the evidence, following clues to get a documentation trail established. Research and investigations is long, tedious, hard work.

A typo. Picture me laughing.

AS · Bad Faith · Building Contractor Scam · Criminal Organizations · Insurance · Insurance Claims · Insurance Scam · Paralegal Studies · trauma

In Compliance

According to the associate insurance compliance officer with the State of California Department of Insurance, Safeco Insurance has handled my claim in complete compliance with the Insurance Code and the Fair Claims Settlement Practices Regulations. Therefore, the following is all perfectly legal.

It is in compliance with the Insurance Code to respond to a claim 19 days after it is reported.

It is in compliance to fail to provide repeatedly requested documents that supersede an engineering report upon which claim settlement was based.

It is in compliance to fail to provide repeatedly requested itemized statements that accompanied checks paid to the contractor that should be in the claim file.

It is in compliance to fail to provide documentation of a whole-house red tag, upon which the destruction of my home and undamaged workshop was based that should be in the claim file.

It is in compliance to fail to report the rebuilding of my home, to carry the claim as repair only, and to fail to report the changes to Underwriting.

It is in compliance to falsify documents like the statement that itemized more than $80K of goods and services that were not performed nor were installed at this site.

It is in compliance to ignore consumer’s repeated reports of malfeasance.

It is in compliance to fail to honor the fiduciary responsibility the insurance company owes the consumer.

Bad Faith · Building Contractor Scam · Criminal Organizations · Disaster · Health and wellness · Homeownership · Insurance · Insurance Claims · Insurance Scam · Law · Paralegal Studies · trauma

CRIME SCENE

As of Earth Day tomorrow I will be living in this crime scene for over a year and have been attempting to resolve my problem with Safeco Insurance for three years.

Safeco adjuster Kent Stiles continues to fail to provide me with requested documentation. Vince Paglia lies to the Contractors State License Board about plans that never existed.

I am unable to get corresponding, itemized statements like the only one I have that corresponds to an $80+K check for materials and services not provided here, but paid for by Kent Stiles.

I am exceptionally tired of living in this crime scene. I think I have succeeded in having my property taxes lowered as I was finally able to get the assessor to come back out here and measure the property. When he came here before, he didn’t measure. He took pictures and the contractors word for the dimensions of the structure. The contractor told him the structure measured 816 sq ft. It actually measured 585 sq ft.

Not only are the insurance company and contractor crooked, the Los Angeles County Building and Safety seems to have some issues with their building inspectors. Not all of them are honest dealers. I had to write an online request to get the appraiser to come back here. He took a page from Stiles and Paglia and ignored my first three calls. Sending written notification prevented him from ignoring me any longer.

I am so angry about this situation that I could not sleep at all last night. Three years of claim mishandling and abuse from Safeco and Protech. Insurance companies have a fiduciary responsibility to their consumers. I should not have been less well off than I was before I filed my claim for damages. I should not have a smaller house with no amenities. I should not have to continue being a customer of Safeco, but I have already experienced Stiles’ manipulation of the information regarding my claim; he attributed my claim to water damage when it was wind that blew a tree limb onto the roof of my bedroom, the only room damaged in the incident. Stiles and Paglia destroyed my undamaged workshop, the entire front three-quarters of my home, all of my landscaping grown to support pollinators. I had to look at my front yard, barren and without any growth, or color for such a long time that I refuse to cut the grass. I prefer looking at green to brown.